We will be closed on Thursday, November 28 in observance of Thanksgiving. We will be open on Friday, November 29. We wish you and your family a Happy Thanksgiving.
Farm Start-Up Loans
Do you want to start up a farm, but have financial questions? We can help!
We're Here for Beginning Farmers
Between our services and government programs, almost anyone can become their own boss and run their own business - in agriculture!
Top Lender in Iowa
We consistently rank as a top 100 farm lender nationally; 6th largest in the state of Iowa among community banks.**
Competitive Rates
We specialize in Agricultural loans, offering competitive rates.
Experienced Team
Your success is our success; if times are tough, we'll help you find a solution.
Government Programs
The first step to owning your own farm is stopping in and sitting down with one our Agriculture Professionals.
If you aren't able to qualify for traditional bank loans to start your farm, government agencies such as the U.S. Department of Agriculture (USDA) Farm Services Agency (FSA) and Iowa Agriculture Development Division may be able to help. And if you turn to a government program for help, we'll still be here for you, guiding you in the right direction and helping you through the application process.
General Government Program Information Overview
- Required Down Payments are lower than traditional bank loan requirements
- Better terms & rates may apply
- Applicants must be at least 18 years old
- Cannot presently or previously have owned a significant amount of farmland
- Must be the operator of the farm
- Must have training or background in production agriculture
- Must have access to equipment necessary to operate the farm/project
**Source: American Bankers Association. FDIC, Data as of 3Q 2023. https://www.aba.com/news-research/analysis-guides/top-100-agricultural-banks-by-dollar-volume
Agriculture Amortizing Loan Calculator
Calculator is provided as-is solely to estimate potential rates, fees, and costs. Calculator is made available as a self-help tool and examples are hypothetical. Calculator is not intended to provide investment or tax advice.
Meet our Agricultural Loan Officer Team
Chad Fritz
Luana Branch
563-539-2166
NMLS #504858
Kiel Fritz
Luana Branch
563-539-2166
NMLS #713511
Geordan Hanson
Luana Branch
563-539-2166
NMLS #1631457
Steve Ruzicka
Luana Branch
563-539-2166
NMLS #504862
Brad Hertges
Ossian Branch
563-532-7022
NMLS #504865
Carol Jensen
Ossian Branch
563-532-7022
NMLS #504867
Ben Larson
New Hampton Branch
641-394-2116
NMLS #1625057
Adam Zeien
New Hampton Branch
641-394-2116
NMLS #1520271
Ray Swartz
Polk City Branch
515-984-7100
NMLS #504869
Josh Williams
Clive Branch
515-987-2116
NMLS #1021521
Ryan Richardson
Norwalk Branch
515-410-9800
NMLS #1142570
Contact us for interest rates in your area.
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